Golf Cart and LSV Insurance Anywhere in Florida
Written out of our Ocala office, for carts all over the state
Our office is on Silver Springs Blvd in Ocala, but we write golf cart and LSV policies anywhere in Florida. Some of our cart owners live a few miles away in The Villages. Others cruise around Bradenton, Sarasota, or a beach town where the cart gets more miles than the car. The questions are the same everywhere: is it a golf cart or an LSV, where do you drive it, and what happens if somebody gets hurt? We'll sort that out with you before we quote.
We are extremely satisfied with the quality of service we received from Jay and Alisha. They worked very hard to find the best Auto and Homeowners insurance. Saved us a bundle.
Great agency that really cares about giving its clients the best value and coverage. Takes the time to explain your coverage and how it works. Great follow up and personalized service. Recommend to anyone.
The Ritz Agency (Allstate) has been wonderful to work with. Had to make a claim, and it was painless! They make every effort to help me with everything I need. Thanks Ritz Agency!
Does your homeowners policy cover your cart?
A lot of people assume their homeowners policy has the cart covered. Sometimes it does, but often only on your own property or on a golf course, and often with a low limit. Once you head down a community path or across a road to get dinner, that coverage may stop. An LSV is a different story: it's a registered motor vehicle, and Florida treats it that way.
Get Your Golf Cart Insurance Today
Contact The Ritz Agency today to get a free quote, compare coverage options, and find the perfect policy for you.
What a cart policy can include
Options vary by policy, so we'll go over what's on yours. Liability for injuries or damage you cause to someone else. Collision for damage to your cart in a crash. Comprehensive for theft, fire, vandalism, and storm damage. Think about where the cart sits during hurricane season. Uninsured motorist, on policies that offer it. Medical payments for you and your riders, where available. Accessory coverage for lift kits, wheels, seats, lights, and sound systems. Tell us about every upgrade.
Liability Protection
Covers bodily injury and property damage if you’re at fault.
Collision Coverage
Covers the cost of repairs if your golf cart is damaged in a collision.
Comprehensive Coverage
Protects against theft, fire, vandalism, weather events, and more.
Uninsured/Underinsured Motorist Coverage
Keeps you protected even if the other driver does not have insurance.
Medical Payments Coverage
Pays for medical expenses for you and your passengers following an accident.
Accessory Coverage
Perfect for customized golf carts with added seats, lighting, or upgraded equipment.
Golf cart or LSV? Florida draws a hard line at 20 mph.
Under Florida law, a golf cart can't go faster than 20 mph. A low-speed vehicle tops out above 20 but no more than 25 mph. That one number decides almost everything else. A golf cart can only use roads a city or county has signed for carts, and only between sunrise and sunset unless the local government allows night driving and the cart has headlights, brake lights, turn signals, and a windshield. Drivers under 18 need a learner's license or driver license, and drivers 18 and up need a government photo ID. An LSV has to be titled, registered, and insured, the driver needs a valid license, and it can only run on streets posted 35 mph or less (crossing a faster road at an intersection is allowed). Registered vehicles in Florida have to carry $10,000 in PIP and $10,000 in property damage liability. Local rules can be stricter. Sarasota County's barrier islands and Bradenton-area beach towns don't all have the same rules as The Villages, so check with your city or county too.
Testimonials
Why Florida cart owners call us
We're a real office in Ocala with people who pick up the phone, Monday through Friday, 8 AM to 5 PM Eastern. We'll ask how you use the cart before we talk coverage. Then we compare options from more than 20 carriers to find you the right coverage, helping you save with The Ritz Agency where we can. And if you have a claim, call us first and we'll walk you through what happens next.
Protect Your Golf Cart
with The Ritz Agency Today
Got a cart, an LSV, or a cart you're thinking about converting? Call (352) 512-6334 or start a quote. If you have a homeowners policy, have it handy and we'll check where your cart coverage ends.
Frequently Asked Questions
Do I need insurance on a golf cart in Florida?
Not on a standard golf cart, since it isn't registered. But if your cart hurts someone or damages property, you can be held responsible, and your HOA or lender may want proof of coverage.
What's the difference between a golf cart and an LSV?
Speed. A golf cart can't go faster than 20 mph. An LSV has a top speed over 20 but no more than 25 mph and needs equipment like headlamps, turn signals, a windshield, seat belts, and a VIN.
What insurance does Florida require for an LSV?
An LSV has to be titled, registered, and insured. Florida requires $10,000 in PIP and $10,000 in property damage liability on registered vehicles. Those minimums don't cover injuries you cause to others, so ask us about bodily injury liability too.
Where can I drive a golf cart on Florida roads?
Only on roads your city or county has designated for golf carts, and only between sunrise and sunset unless local rules allow night driving and your cart has headlights, brake lights, turn signals, and a windshield. Check local rules in places like Sarasota or Bradenton.
Who's allowed to drive a golf cart on public roads?
Drivers under 18 need a learner's license or driver license. Drivers 18 and older need a valid government-issued photo ID.
Where can an LSV go?
On streets posted 35 mph or less. It can cross a faster road at an intersection. A county or city can ban LSVs on certain roads for safety.
Do you insure carts outside Ocala?
Yes. We write golf cart and LSV coverage anywhere in Florida. If you live in The Villages, our Villages golf cart page covers the paths and town squares.
Explore more: Start a quote · Golf cart insurance in The Villages · Golf cart rules in Bradenton & Anna Maria Island · Golf cart rules in Sarasota, Siesta Key & Venice · Car insurance · Home insurance
Golf cart guides: Golf cart vs. LSV in Florida · What golf cart insurance covers · Golf cart insurance for businesses
The Ritz Agency, 1107 E Silver Springs Blvd Ste 1, Ocala, FL 34470 · (352) 512-6334 · Mon–Fri 8 AM–5 PM Eastern
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